State Employees' Credit Union Hillsborough NC: Low Mortgage Rates & Auto Loans

Introduction

Welcome to State Employees' in Hillsborough, where your financial well-being is our top priority. Located at 2313 Old Nc Highway 86, our branch has been serving the community since 1937. We take pride in providing a safe and friendly environment for all our members, with a commitment to helping you achieve your financial goals. With over 2.8 million members and total assets exceeding $57 billion, we understand the importance of trust and reliability in banking. Our dedicated team, led by CEO Leigh Brady and Board President Mona Moon, works diligently to ensure that each member receives personalized service tailored to their needs. At State Employees', we offer a wide range of services, from personal banking and auto loans to mortgage refinancing and business banking options. Our total deposits stand at an impressive $7.9 billion, demonstrating our solid foundation and commitment to serving you effectively. With total loans reaching 1,194,630, we are equipped to support you through various financial milestones. While members can visit us at 2313 Old Nc Highway 86, official correspondence should be sent to the same address for convenience. If you have questions or need assistance, feel free to call us at 919-732-0715 during our operating hours from 8:30 AM to 5:30 PM on weekdays. Join us at State Employees' as we continue to strengthen our community ties and support your financial journey. Visit our website here for more information or stop by our branch today!

Branch History & Mission

At State Employees', we take pride in our rich history and unwavering commitment to our members and community. Established in 1937, our branch has been a cornerstone for financial support and guidance in Hillsborough, NC. With over 2.8 million members and total assets exceeding $57 billion, we have grown alongside our community, adapting to meet the needs of our diverse membership. Located at 2313 Old Nc Highway 86, Hillsborough, NC 27278, our branch is easily accessible and close to local landmarks that make it convenient for members to visit. Our operating hours are Monday through Friday from 8:30 AM to 5:30 PM, providing ample opportunity for you to engage with us. We also offer a drive-thru service and ATM availability for those who prefer quick transactions on the go. Our mission is straightforward yet powerful: we aim to provide exceptional financial services while fostering a spirit of community support. We believe that banking should not only focus on numbers but also on building relationships and empowering individuals. This mission drives us to offer a variety of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking options. As we celebrate our long-standing presence in Hillsborough, we remain dedicated to enhancing the member experience through technological advancements like online and mobile banking. We are committed to ensuring accessibility for all members, with features like electronic signatures and e-statements that simplify your banking needs. While members can visit us at 2313 Old Nc Highway 86 for their banking needs, official correspondence should be sent to the same address as our mailing address. This ensures that all communications reach us promptly. In addition to providing financial services, we actively engage in community outreach programs aimed at improving the lives of those around us. Our partnerships with local organizations allow us to contribute meaningfully towards education, health initiatives, and economic development efforts in Hillsborough. We invite you to join State Employees' today! Experience firsthand how our commitment goes beyond just financial transactions; it's about building a better future together. For more information or to become a member, please reach out at 919-732-0715 or visit our website at ncsecu.org. Together, let's achieve your financial goals!

Branch Location & Accessibility

Accessibility Features

At State Employees', we understand that accessibility is important. Our branch features ADA-compliant facilities, including ramps and designated parking spots to ensure everyone can easily access our services. We also offer a drive-thru banking option, so you can manage your banking needs without leaving your car.

Connect With Us

Have questions? Feel free to give us a call at 919-732-0715! Our friendly team is eager to help you navigate your financial journey. We invite you to stop by our Hillsborough branch today and discover how we can support your banking needs!

Operating Hours & Services

We're here for you Monday through Friday from 8:30 AM to 5:30 PM, ready to assist with everything from personal banking and auto loans to mortgage refinancing and credit card services. Plus, with an ATM on-site, you have 24/7 access to cash withdrawals and balance checks. While members can visit us at our branch location, official correspondence should be sent to the same address: 2313 OLD NC HIGHWAY 86, HILLSBOROUGH, NC 27278.

Member Eligibility

At State Employees', we believe that everyone deserves a chance to be part of a supportive and thriving community. Becoming a member is simple and welcoming! If you live, work, or worship in the area or have family members who are already part of our credit union, you're eligible to join us. This means you can enjoy all the perks of membership, like competitive loan rates and personalized service tailored just for you. We encourage you to check out more details about eligibility by visiting our website at http://www.ncsecu.org/join#eligibility. Ready to take the next step? Opening an account with us is as easy as pie! Just head over to our online application page at https://onlineaccess.ncsecu.org/o/enroll_validatecard.aspx?role=secu or give us a call at (919) 732-0715 if you have any questions. We're here to help you every step of the way as you start your journey with State Employees', located at 2313 Old Nc Highway 86 Hillsborough Nc 27278. Join us today and experience the difference of being part of a community-focused financial institution!

Business Banking & Commercial Services

At State Employees', we understand that every business has unique needs. Whether you're just starting out or looking to expand, our commercial services are designed to support your journey. Imagine having the financial backing to purchase new equipment or open another location our business loans can make that a reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Additionally, our merchant services simplify everyday transactions for your business. Whether you need point-of-sale systems or mobile payment options, we help ensure that you can serve your customers efficiently and effectively. Located at 2313 Old Nc Highway 86 Hillsborough Nc 27278 in Hillsborough, NC, we're here to help your business thrive. Contact us at (919) 732-0715 to learn more about how we can assist you today!

Comprehensive List Of Services

Accessibility

We believe that banking should be accessible for everyone. Our ATM availability ensures that you can withdraw cash or check balances effortlessly whenever you need it. And if you're stopping by our branch, our friendly staff is ready to assist with any simple transactions through our drive-thru service. --- If you're ready to take control of your financial future or simply want more information about how State Employees' can serve you better, don't hesitate to reach out! Call us at (919) 732-0715 or visit us online at Hillsborough - Old Hwy 86 today!

Business Banking

If you're a business owner, we're here for you too! Our Business Banking services include Merchant Services and Business Loans designed to help your enterprise thrive. We recognize that running a business comes with its own set of challenges, and we're committed to supporting you every step of the way.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer Online & Mobile Banking that allows you to manage your accounts anytime, anywhere. With easy access to ATM & Cash Withdrawal Services, along with Basic Drive-Thru Banking for deposits and withdrawals, you'll always have the tools needed for quick transactions at your fingertips.

Loans and Debt Solutions

Life can be unpredictable, and sometimes unexpected expenses arise. That's where our Personal Loans & Debt Consolidation options come into play, allowing you to tackle those financial hurdles head-on. Plus, with our Credit Cards featuring rewards, you can earn while you spend!

Personal Banking

Whether you're opening your first checking account or saving for a big purchase, our personal banking services are tailored to fit your lifestyle. We offer both Checking and Savings Accounts, giving you the flexibility to manage your money effectively. Need assistance with a vehicle? Our Auto Loans & Vehicle Financing options make it simple to get behind the wheel without breaking the bank. For those looking to invest in a home, our Mortgage Loans & Refinancing services can help you find the right solution for your situation.

Digital & Online Banking

Key Features

Our online banking includes electronic signature authorization, which allows you to complete transactions securely without needing to visit a branch. This means you can open new accounts or apply for loans from the comfort of your home. Plus, with e-statements available, you can keep track of your finances while reducing paper clutter. For those on the go, our mobile application makes it easy to manage your accounts right from your smartphone. Whether you're making mobile payments or checking your balance during lunch, everything is just a tap away. We also offer person-to-person transfers, enabling you to send money directly to friends and family quickly and easily though please note that this feature is not currently available.

Security and Ease of Use

Your security is paramount. Our digital banking platform uses advanced encryption and secure login procedures to protect your information. You can bank with confidence knowing that we take every precaution to keep your data safe. With all these features combined, managing your finances has never been more accessible or user-friendly. Whether you're at home or on the move, State Employees' ensures that banking is simple and secure so you can focus on what matters most in life. Don't forget to explore all of our offerings at https://www.ncsecu.org/!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 5,850,875, showing a strong and growing member base that trusts us with their finances. Our Net Shares available for lending and investments amount to $574,556,810, reinforcing our commitment to helping you achieve your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, State Employees' is your trusted partner. Visit us at 2313 Old Nc Highway 86 Hillsborough Nc 27278 or call (919) 732-0715 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through $13,895,511,732 in share certificates and $15,232,786,618 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $2,145,244 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 7,729 full-time employees and 529 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Improvement

With $133,577,509 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $193,516 in used auto loans and $34,904,944,116 in total loans and leases, supporting members' financial goals across various sectors.

Solid Financial Health

With a net worth of $5,446,832,560, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.71% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,955,872,351 in used vehicle loans and $1,138,258,230 in new vehicle loans already helping members get on the road. We believe that financing your vehicle should be straightforward and accessible.

Credit Lines and Refinancing Options

Additionally, our credit lines amounting to $18,909,000,000 are perfect for those who want access to funds as needed. If you're considering refinancing any existing loans or exploring eligibility options for our various products, we're here to help find the best solution tailored just for you. Feel free to reach out at 919-732-0715 during our operating hours from 8:30 AM to 5:30 PM if you have any questions or need assistance with your application process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're dedicated to empowering our members with the resources they need for a brighter financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,138,885,519, make buying or refinancing simple. Whether you are a first-time buyer or looking to refinance an existing loan, our team is here to guide you through every step.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $1,177,171,541 in loans helping members manage their finances effectively. This option gives you the freedom to make purchases when needed without the burden of high interest rates.

Loan Aggregator

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STATE EMPLOYEES' CREDIT UNION - Hillsborough, NC

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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